“We are rolling out next-generation technology at scale to better serve our clients and further enhance our employees’ experience.”
“At a time when the digitalisation of everydayactivities has become an integral part of our daily lives, information systems are now, more than ever, at the heart of corporate strategy. Today, there are many IT challenges, ranging from data security and protection against cyber threats to the adoption of technologies such as artificial intelligence, cloud computing, and blockchain. To meet these challenges, our Group is accelerating its digital transformation with a view to optimising its internal processes, while enhancing the client experience.
2025 was marked by the convergence of four major challenges, which helped drive our transformation. First of all, our business lines and functions are increasingly relying on technology to help them optimise their operational performance and support their digital transformation. At the same time, the Group’s 2025 growth strategy required the unprecedented mobilisation of our IT teams, with acquisitions such as HSBC’s private banking activities in Germany and AXA Investment Managers. Moreover, faced with the growing threat of cyber risk, we continued to bolster our measures to protect our bank, our systems, our data, and our clients’ data.
Innovation is also at the heart of our strategy, and it is essential that we make the right investment decisions. Lastly, we recognise that our success will depend on our ability to attract and retain the talent needed to meet tomorrow’s challenges, while continuously developing their skills.
INVESTING IN OUR FOUNDATIONS
We continued to invest in our foundations, with determination and discipline, in particular through the creation of our internal “LLM as a Service” platform, which enables our business lines and functions to develop new ways of working and create value for our clients and employees. Our state-of-the-art technological infrastructures have enabled us to forge successful business partnerships, notably with Apple, and have driven major breakthroughs for our Group. In particular, this includes the development of the technical foundations for Estreem and Wero in the field of payments.
SCALING UP FASTER
In 2026, we will continue to follow our roadmap while taking on the challenge of scaling up to fully capitalise on the foundations we have laid. We will invest in agentic AI(1) to meet the needs of our business lines and functions and optimise end-to-end processes, while keeping in mind our three key priorities: service continuity, security, and cost control. We are confident these investments will further enhance the experience of both our clients and employees and help strengthen our leadership position.”